This may have been asked and answered in the past. If so, my apologies for asking again. I am moving a large bulk of my 401K to a stretch IRA. My fiancial advisor has recommended the AVIVA Income Select 10 Tax-Deferred Annuity. I will elect three beneficiaries. Is anyone familiar with this product. I am 95% sure I am going to go ahead and do it, but now that I have found this forum, I thought I would ask. I am still employed. He also suggested the Guaranteed Universal Life policy. If I undertand correctly, it will provide the life insurance I need, but is not tied to interest rates so that the premium remains fixed and will not lapse unless I discontinue paying the premiums and the premiums will not increase as I get older. Is this a product that I should be giving the tumbs up to as well?